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    • In that case, it's crazy to me that part of their defence includes the following: 2.52. ‘The amount of Full Cover which you have taken out for a Parcel, if at all, will be the extent of our liability to you for any Loss or Damage to your Parcel.’ 2.53. ‘Full Cover’ is defined as ‘optional enhanced compensation that you may,for a fee, take out when you submit an order.’ 2.54. 26. Accordingly, the Contract terms limits the Defendant’s liability for loss or damage to a parcel (in contract and/or negligence) to a particular value (as determined by clause 5), for the loss or damage to goods. That  compensation value is the lesser of £20 or the value of the damaged/lost goods plus postage. 2.55. 27. The Claimant did not opt to increase the level of compensation for The Parcel and therefore pursuant to the terms of the Contract the Claimant is entitled to maximum compensation in the sum of £23.44. -> If they know they can't do this, why include it in their defence.  THe second part I'm worried about is this section: 2.24. 20. The twenty first paragraph of the Particulars of Claim is noted. It is denied that the Claimant is entitled to £169.00 in respect of the Parcel. It is the Defendant’s primary position that the Claimant is entitled to £23.44 in respect of the Parcel under the terms of the Contract. Without prejudice to the Defendant’s primary position, the Claimant valued the Parcel at £150.00 when ordering the Defendant’s delivery services. The Defendant requests evidence from the Claimant as to the reasoning for the difference in valuations from the Claimant. -> like I said, I have proof of receipt of the actual price of the jacket, I had email correspondence with the brand asking if they have received my jacket and included the EVRI tracking number. The parcel is also clearly labelled to return back to the store.  I've also shared all of this, and even provided the receipt in my claim lost parcel to EVRI It's a shame I put the estimated value of the item when posting back, rather than the exact. I was in a rush and just put a rough figure I had from memory (again, lesson learned)
    • Thanks for letting us know. It always helps to get feedback. I'm surprised at the addition of the surcharge. Yes, it must be imposed by law but the usual way to get round it is to make the fine £72 and the surcharge £28. You could argue that if they accepted that you did comply with the conditions of the offer you should not be disadvantaged at all and there is adequate mechanism for that. Their Legal Advisor (the person sitting in front of them) should have advised them accordingly. All in all a decent - if slightly incorrect - outcome and appealing against the sentence is probably not worth the hassle. As you say, "lessons learned" (but of course you won't be caught speeding again, will you?  😀
    • Good morning,  I am back here as I have my court hearing on the 16/1/24 and wanted to prepare myself. I have started to read through the cases here where people in similar situations have gone to court and the recently added court transcript. I will continue to read about third party rights. Is there anything else you feel would help.  Many thanks
    • Okay. Thanks for this. If you redact documents in future, please could you be a bit more delicate about it so that we have a more careful idea about what is missing and we don't get the impression that may be something important is covered up. You will get your money back – but it's important that you realise now that you are in control. Read the stories. Read the advice that we give in the pinned treads at the top of the sub- forum. Ask us questions. The mediation process really doesn't involve much law. It really is just about stating your position and that making it clear that you won't back down and you were prepared to go to court. There is no reason why you should give up a single penny. I can appreciate that it is heartbreaking. There will be thousands of people this Christmas season who have parcels disappearing either through carelessness by EVRi or by theft committed by their own staff and people will be heartbroken. Despite that, EVRi will continue to try and defy people's legitimate claims. They run an insurance system which is unenforceable under section 57 of the consumer rights act. This is not a real insurance in that there is not a commercial insurance where it is simply just money in their pockets. My estimate is that EVRi themselves are earning several billions of pounds per year of unearned and undeserved money and the parcel delivery industry as a whole is probably earning £10 billion per year in exactly the same way. This is why they are so greedy about it and this is why they are so enthusiastic about not giving up a single inch. And of course it is the consumer who pays the bill. And this is billions of pounds every year which is removed from the UK economy.
    • Thank you so much, the first line just contained my home address, hence why I redacted that section in the second page. The claim form starts from point 3.15, I've posted everything honestly, it's my first time dealing with matters like this (and I hope to never do this again in the future) and I've stumbled - so I suppose I just felt really overwhelmed and treated unjustly about the situation after seeing their defence statement.  I had saved up so much money to buy this jacket for autumn, and was so excited to own it, it wasn't the right size so I wanted to return it, get my refund and purchase it again in the right size, and it's just led to this whole mess by EVRI.  I didn't even receive the £23 compensation, I checked my bank account again yesterday and still don't see it, so they are wrong in that matter.  I'm going to draft up my mediation open statement and post it here, it's booked for the 11th 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Entitled to MY HUSBAND'S PRIVATE INVESTMENT PENSION


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Hello you kind people.

I believe my long standing case fighting an energy company has, to some extent, contributed to my anticipated divorce. After 42 years of marriage, I am considering divorce.

 

Indeed as you always advise, there are many financial factors to consider.

 

Nevertheless, in the absence of money, I need to make some preparations at this stage before letting him know of my action.

 

My husband has a private investment pension pot.

It is set up in connection to his company and he shares the scheme with one other director partner.

 

I am sorry to describe it so naively but I really have no idea of the scheme name. I know that he has included shares, a number of properties and perhaps other assets in the pot.

 

I believe he is entitled and benefits from annual cash withdrawal up to a percentage. He can add to the pot by buying and selling those, new properties and shares. This pot does not bare any connection to me.

 

However my concern is that I need to know how I can protect my share of interest in the pot in the case of divorce. He has kept all our assets within this pot and I guess immune from SHARING THEM WITH ME!

 

Once he finds out about my divorce action, he can easily empty out the pot in no time.

 

What is the name of this scheme? And can I put a freeze of some sort over his assets and at what stage? Do I have a chance or is it a lost cause?

 

I hope I can get some opinions from you kind people here; believe me, I know I should go to a lawyer! many thanks and as always I am grateful for your support.

she!

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I think you would need to see a Solicitor to talk about all these issues. Divorce settlements are very complex and I doubt that there are any Solicitors on CAG wanting to offer advice. Plus I thought that there had been some recent changes to divorce proceedings, which require some form of arbitration process, where you are required to try to come to an agreement, before a court is willing to get involved.

We could do with some help from you.

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Hello there.

 

Here are a couple of links about pensions and divorce who also have advice lines. It's difficult to offer advice without knowing what type of scheme you're talking about, but hopefully you can get a better understanding if you ring these people.

 

More paperwork would be helpful, but I understand if you don't have access to that.

 

https://www.moneyadviceservice.org.uk/en/articles/splitting-pensions-during-divorce

 

http://www.pensionsadvisoryservice.org.uk/life-events/divorce

 

I personally rate TPAS, the pensions advisory service, but the government money advice service is also free and independent.

 

Please come back and tell us how you get on.

 

HB

Illegitimi non carborundum

 

 

 

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Thread moved to General Legal Issues.

 

Regards

 

Andy

We could do with some help from you.

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You should end up with a share of it. I doubt you'd end up with a freezing order though. If he did empty the pot it would backfire on him in court (though my basic understanding of pensions is that you can't withdraw until you reach pension age).

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yes, quite right. However he has reached the age and this year he was allowed to draw a percentage tax free cash. He can do that on annual basis.

The rest of assets remain in the pot. And he can sell or buy shares, properties etc within the pot.

 

I am sure it is perfectly legal. I guess he would pay full tax on transactions within the pot. As far as it concerns me, it is a company scheme and it keeps all his assets at his disposal and away from me. What could I do? I would still not be able to stop him had I known about it before he set it up.

 

I would not be able to afford even an initial consultation with a lawyer and a pension expert. What a pity!

she!

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Some solicitors provide free initial consultation and they would explain the cost side. To be honest, if he's allot of assets you will be entitled to a fair share and could pay the solicitor out of this. The solicitor would

Deal with the pension side of things also. There are quite robust laws re pension distribution on divorce and a good solicitor would know this.

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He will pay very limited tax (if any) on transactions within the pot.

 

You are wrong to think that the fact that certain assets are held in a pension keeps them away from you. When someone has a big pension, they would typically have to give information surrounding that as part of the divorce process. After a long marriage the most likely outcome would be for them to have to pay across a regular amount most likely half of what he would receive from the pension.

 

 

Hopefully you can have at least a free consultation with a solicitor or get some advice from a law centre.

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  • 1 month later...

Thank you so much for your advice you beautiful people.

 

I looked at the site you suggested however they do not answer my question. At this point I have not let him know that I am contemplating divorce because I am concerned that the moment he hears about it, he would sell those assets.

 

Once divorce proceedings commence, he could justify his action as "I am businessman, I buy and sell properties all the time"; he can easily justify that hence my search to find some way to freeze those possibly on the day divorce applications is made.

 

As you suggested, I need a lawyer. I wonder if anyone could recommend one here, or is it against rules of this forum.

 

The two lawyers I visited recently wanted large deposits before instructing me as what information I need to provide them!

she!

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Yes, he would have to share the proceedings on monthly basis. However, he is planning to prolong the period before he retires. Meanwhile he engages in transactions within the pot by buying and selling properties and shares.

 

Furthermore, he has already drawn out a good amount tax free cash thus reducing his pension value. he can do that on annual basis.

 

So at the end of the day, he can freely and drastically reduce the value of remaining pot until he retires.

 

It seems that once he retires, I shall then be entitled to a share of whatever is left. I can not force him to retire now to get a fair share of "our" life savings and achievement, can I?

she!

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Thank you so much for your advice you beautiful people.

 

I looked at the site you suggested however they do not answer my question. At this point I have not let him know that I am contemplating divorce because I am concerned that the moment he hears about it, he would sell those assets.

 

Once divorce proceedings commence, he could justify his action as "I am businessman, I buy and sell properties all the time"; he can easily justify that hence my search to find some way to freeze those possibly on the day divorce applications is made.

 

As you suggested, I need a lawyer. I wonder if anyone could recommend one here, or is it against rules of this forum.

 

The two lawyers I visited recently wanted large deposits before instructing me as what information I need to provide them!

 

There will be caggers all over the UK who have used 'good' lawyers and they would be free to recommend one to you by PM but not on open forum. It would help to know where in the UK you are based?

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Presumably he has a SIPP (Self Invested Personal Pension). My understanding is that there are strict limits on the amount which can be withdrawn. He can't just remove all the assets willy nilly. He may be able to when he reaches retirement age and the new rules which allow people to withdraw all of their private pension pot come into effect in April 2015, but even the it seems unlikely that he would make this choice since (1) withdrawal of assets would not affect your entitlement on divorce and (2) it would result in him having a huge income tax bill.

 

You should bear in mind that, if he does withdraw funds from the pension pot for whatever reason, he would have to account for that and you could trace into the assets. For example if he uses the money to buy a property or shares, then you can claim a share in the property or the shares. The explanation "I do transactions all the time" does not account for money disappearing. It is rare for people to try to stash money offshore in order to avoid legal process and it ultimately leads them down the criminal road (with imprisonment an eventual possibility).

 

I can't tell you any of this is 100% risk-free, but to be honest the risk of him being able to make his assets disappear beyond your reach is low. Honestly I do not think you should be worrying too much about this issue.

 

Realistically there is no way to freeze his assets while the divorce is ongoing. You would need very strong evidence of intent to defraud you before having any chance of obtaining a freezing order.

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Hi Wonkeydonkey

 

I am most grateful for your advice. I shall learn what PM is and will use it right away for names of lawyers. Thank you so much

she!

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Hi steampowered

 

I am so glad and grateful for your advice. It certainly put my mind at rest to some extent. I would not dare attempt the 'intent to defraud' as I don't think he would commit such - he is too clever to do that.

 

So I am going to use PM to hopefully get names of good lawyers from fellow caggers. I live in London (North & close to centre).

 

I am ever so grateful for your comments.

she!

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We generally don't condone people recommending lawyers through CAG, to avoid the site being used for commercial purposes. You might find the Law Society website helpful as it has a function for searching for local solicitors with various area of expertise.

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  • 1 month later...

Many thanks for your advice. I do understand that the site might be used for commercial purposes, I sincerely hope not!

However, the law society does provide list of lawyers but I had hoped to get recommendations to benefit from personal experiences by others.

I shall post results of my first consultation here when I find the lawyer I am looking for.

she!

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  • 2 weeks later...

Hello there.

 

We only delete threads for legal reasons, sorry. If everyone deleted their thread as soon as they had a resolution, CAG wouldn't be the resource for information that we are.

 

What has happened about the private pension please?

 

HB

Illegitimi non carborundum

 

 

 

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Hi Honeybee13

Thanks for your reply. Indeed, I understand why.

I consulted with 3 experts and did not get a straight answer.

I had difficulty to persuade them that I was not concerned with my husband breaking the law. He would not do that.

 

They generally suggested extensive international investigation into his assets to begin with. I do not agree to that for a number of reasons. The enormous cost that all demanded as down payments.

Reducing or increasing his assets are perfectly legal from commercial point of view, and it would be hard to accuse him of doing so pending the incoming divorce.

 

Conclusion: I may receive a share of whatever is left in his pot as and when divorce proceedings are taken. There will be a long time before divorce is finalised, and I can not stop his commercial lawful activities just because of pending divorce. I give up!!

she!

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I think that is the correct conclusion. A pending divorce doesn't give the right to freeze a spouse's assets. Its always much better to solve these things amicably without using lawyers if you can.

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I think that is the correct conclusion. A pending divorce doesn't give the right to freeze a spouse's assets. Its always much better to solve these things amicably without using lawyers if you can.

 

A solicitor can apply for an freezing injunction. Also, the court takes a very negative view of non disclosure and can lead to criminal sanctions in extreme cases. Although it is best to stay amicable if possible, this can lead to one party being ripped off. You really need a solicitor in these cases.

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I am not worried about non-disclosure..he won't do that.

Everything he does with his pot is commercially and legally correct. I have no doubt that he would disclose everything he has, but.... within the law, he can buy/sell assets anytime. He pays his taxes fully too. So as you see, I can not even allege anything to courts to get them sympathise with me.

 

I am afraid this is the law...they should change it to force spouses to include their partners in their pot when they set it up, otherwise as far as I am told, it is not an exceptional law or a loophole. This law is designed to benefit companies not spouses. It allows them to reduce their pension funds unjustly and independently from their partners...

 

Sorry no hope.....

And thanks....

she!

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